In the first two years, when new energy was just emerging, "higher prices than fuel vehicles" dissuaded many consumers. After the Spring Festival in 2024, the starting price of the BYD Qin plus Glory Edition has dropped directly to 7980,000 yuan, car companies have shouted the slogan of "electricity is lower than oil".
Although this slogan is not an exaggeration, and consumers can clearly feel the difference in cost of use if they are more fuel-efficient or pure electric driving, if the cost is extended from simple fuel supply to the overall cost of using the car, then the cost of using and maintaining the electric car is not necessarily lower than that of the gasoline car. For example, the following ** costs should not be overlooked.
The moment you drive a new car from a 4S shop, the insurance cost is the first expense. The insurance of new energy vehicles is generally more expensive than fuel vehicles, everyone should know, although the introduction of new energy vehicle special insurance has improved, but generally speaking, the insurance cost of new energy vehicles will still be more expensive than fuel vehicles.
Even if the cost is a little higher, at least it can be renewed normally. However, at the end of 2023, there was a report that many new energy vehicle owners in Shanghai responded that they were either refused insurance by insurance companies when renewing their insurance, or were required to add other additional insurance types that cost a lot of money.
When the insurance company was asked about the reason, the main reason was basically the same, the new energy vehicle insurance business was not profitable, and the loss was too serious. At the same time, the following statements are also given: 1. When assessing the damage, most of the parts must be replaced as a whole, resulting in greater claims expenses from the insurance company 2. It is impossible to determine whether the car owner is used for online car-hailing, and the difference in premiums between commercial and non-commercial vehicles is nearly 3 times**, which is the actual loss of the insurance company.
As more and more new energy vehicle owners have voiced that it is difficult to apply for insurance and renew insurance, the Property Insurance Supervision Department of the State Administration of Financial Supervision has specially issued the "Notice on Effectively Underwriting New Energy Vehicle Insurance" to insurance companies, requiring insurance companies not to refuse to insure the compulsory insurance of new energy vehicles, and commercial insurance is willing to cover all the insurance, and it is not allowed to refuse or delay the underwriting of compulsory insurance.
Although the state requires insurance companies not to force an increase in insurance types, but in the end, "the wool is out of the sheep", and the higher commercial insurance costs must be borne by the car owners.
As mentioned above, one of the reasons why insurance companies refuse to insure is that repairs are more expensive. The reason is that in order to achieve better electrification and intelligence, electric vehicles use a large number of electronic components, and electronic components are very delicate things, neither damp nor overheated, if the external conditions are harsh, it is easy to cause problems.
Therefore, when the car has an accident or water ingress, the battery is easily damaged, and the battery itself is composed of many units as a whole, which is difficult to repair through local construction, in other words, it can only be replaced if it is broken, which causes the increase in maintenance costs.
In addition, the battery itself will also age and be scrapped, so take a car for 5 10 years as an example, the owner must replace the battery for the car at least 1 time, if amortized in the entire life cycle, it is also a very large expense, the year before last, a Canadian Tesla owner revealed on social ** that it cost 2$60,000.
In terms of the maintenance of consumable parts, due to the higher requirements of new energy vehicles for wind resistance and tire noise, most of them will use special new energy tires, but their larger weight will also speed up the frequency of tire replacement. The price of special tires will also be more expensive than ordinary tires of the same size.
Although the value retention rate cannot be regarded as a direct expense, after all, no one buys new energy vehicles for collection, and sooner or later there is a day when the car is sold, then the depreciation expense must be taken into account when buying a car. Imagine, when buying a car, you choose a new energy vehicle at the same price as gasoline and electricity, and finally save less fuel money than the depreciation cost of the difference between the two, is this really saving money?
According to the big data of Guazi used cars, the highest 3-year value retention rate of new energy vehicles in 2023 is Porsche Taycan, with a value retention rate of 712%。BYD Tang, which ranked seventh, has a value retention rate of 60%, which also means that the value retention rate of new energy vehicles ranked outside the ranking is less than 60%, which is equivalent to a depreciation of more than 40% or even less than 40% after three years of buying a car.
In comparison, the average 3-year value retention rate of fuel vehicles is 524% and 45% for new energy4%。Suppose you buy a new car for 200,000 yuan and sell it after 3 years, the fuel car can be sold for 10480,000 yuan, while new energy vehicles 9080,000 yuan, a difference of nearly 10,000 yuan. As the battery ages, the longer the time, the higher the value retention rate of the difference between the two.
To sum up, the hidden cost of new energy vehicles is actually higher than imagined, so don't be carried away by "electricity is lower than oil", and you must choose a model according to your own car replacement frequency and your own needs. In addition, 2024 has just begun, and this year's ** battle will intensify, so you might as well wait a little longer.